Xingfu fanglaibao elderly housing reverse mortgage endowment insurance

Policy: New Rural Endowment Insurance Policy 1

What are the new rural endowment insurance policies? The new rural endowment insurance policy is divided into payment standard, payment base and living allowance for the elderly. Take the new payment standard of rural insurance as an example: RMB 100 per year, 200 yuan, 300 yuan.

Yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1500 yuan, 2000 yuan 12 grade.

New rural endowment insurance policy

First, the new rural old-age insurance payment standard

At present, the payment standard of the new rural insurance is set at 100 yuan per year, 200 yuan and 300 yuan.

Yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1500 yuan, 2000 yuan 12 grade.

Two, the new rural endowment insurance payment base

1, the payment base of Nong Xin village old-age insurance can be paid annually in the proportion of 5%, 10%, 20% and 30% respectively. The specific payment ratio is independently selected by the insured residents.

2. According to this standard, the annual payment base of 20 1 1 660 yuan is1/kloc-0, and the annual payment standard is 583 yuan according to the proportion of 5%; According to the ratio of 10%, the annual payment standard is 1 166 yuan; According to the proportion of 20%, the annual payment standard is 2332 yuan; According to the proportion of 30%, the annual payment standard is 3498 yuan.

3. The basic old-age insurance premium for urban and rural residents shall be paid annually. You can also choose a one-time payment before the age of 60 (full payment must be made in 15 years) or a one-time payment at the age of 60. One-time payment or supplementary payment can only be made at the rate of 10% or above.

Three, the new rural residents over the age of 60 can apply for old-age living allowance.

1, urban and rural residents who have reached the age of 60 are no longer included in the scope of insurance payment, and can apply to the government for living allowance for the elderly.

Urban and rural residents who have official household registration in this city, have reached the age of 60, have not participated in the old-age insurance for urban and rural residents, and have not enjoyed the social old-age security benefits can receive the old-age living allowance.

2. The standard of living allowance for the elderly in urban and rural areas is: 70 yuan per person per month for those over 60 years old and under 70 years old; At least seventy years of age and under eighty years of age, 80 yuan per person per month; At least eighty years of age, 90 yuan per person per month.

3. Eligible citizens over the age of 60 can apply for living allowance for the elderly at the administrative village or labor security workstation where their household registration is located with their household registration book and resident ID card.

Policy: Taiyuan provides 9000 yuan pension for the elderly every month, and will pilot "housing for the elderly"! 2

Reverse mortgage insurance for the elderly (hereinafter referred to as reverse mortgage insurance), that is, "housing for the elderly", will expand the pilot. Recently, the China Insurance Regulatory Commission (CIRC) issued the Notice on Extending the Pilot Period and Expanding the Pilot Scope of Reverse Mortgage Endowment Insurance for the Elderly, extending the pilot period of "providing for the elderly with housing" to June 30, 20 18, and expanding the pilot scope to Jiangsu, Zhejiang, Shandong and Guangdong provinces, provincial capitals (autonomous regions), cities with separate plans and some prefecture-level cities. Taiyuan, as the capital of Shanxi, will also carry out pilot work. It is understood that Taiyuan has begun to formulate relevant policies of "providing for the elderly with housing".

The "house-to-house pension" business can provide pensions of more than 9,000 yuan per month for the elderly.

20 13 "Several Opinions of the State Council on Accelerating the Development of the Aged Care Service Industry" clearly requires that the reverse mortgage pension insurance be piloted. In June of 20 14, the China Insurance Regulatory Commission issued the Guiding Opinions of the China Insurance Regulatory Commission on the Pilot Work of Old-age Housing Reverse Mortgage Insurance, which officially started the pilot work of old-age housing reverse mortgage insurance from July of 20 14 to June 30th of 20 16.

2065438+March 2005, the first reverse mortgage insurance product was approved for sale. At present, the "house-to-house pension" insurance business launched in China is only sold by Happiness Life Insurance Co., Ltd. According to its "happy house to treasure" insurance rate table, the 70-year-old male old man owns a property worth 5 million yuan, and after deducting the deferred annuity premium (about 30,000 yuan a year) and policy management fee, the monthly pension for the elderly is about18500 yuan. If you are in an ordinary city, the real estate valuation is 6.5438+0 million yuan, about 3,700 yuan per month.

After two years of pilot, what changes have taken place in the life of the insured person who "supports the elderly with housing"? In this regard, the relevant person of the China Insurance Regulatory Commission said that the reverse mortgage insurance pilot was generally running smoothly, and the reverse mortgage insurance became the first financial product to form a certain scale of "house-to-house pension", and proposed a new pension solution for the elderly, which transformed the main stock assets of the elderly into pension funds without transferring the right to use, meeting the three core needs of the elderly, such as home-based pension, increasing pension income and long-term lifelong pension.

From the pilot situation, this business can provide an average pension of more than 9,000 yuan per month, which effectively improves the disposable income of the elderly and significantly improves the pension level of the insured elderly, and is highly praised by the insured elderly.

The relevant person in charge of Happy Life said that as of June 30th, 20 16, there were 60 households and 78 people insured in "Happy Room Lai Bao". From a regional perspective, the demand and awareness of this product in first-tier cities (Beishangguang) is higher than that in second-tier cities (Wuhan); From the perspective of family composition, the elderly in childless families account for 40%, mainly widowed; In terms of age, the average age is 73 years old and the oldest is 85 years old, among which the elderly over 80 years old account for10%; Judging from the value of real estate assessment, the range of 2-3 million is mostly, with the highest real estate value in Shanghai and the lowest in Wuhan; Judging from the monthly pension, the monthly pension is 5000- 10000 yuan.

Huang Hong, vice chairman of the China Insurance Regulatory Commission, once said that the "housing for the elderly" pilot program has added a pension option for the elderly who have real estate but lack pension funds, meeting the two core pension needs of the elderly: "housing for the elderly" and "increasing pension income".

"Traditional concept" and "house price fluctuation" restrict the pilot development of "housing for the elderly"

It is understood that in the pilot process, the biggest challenge encountered by the "housing for the elderly" pilot is the traditional concept. At present, the traditional concept of "raising children to prevent old age" is still the mainstream of society, and most elderly people want to leave their houses to their children, which is also the fundamental reason for the small number of insured people.

In this regard, Happy Life said, "There are two main situations in which the completion rate is not high: one is that the elderly are willing to participate, but the children or relatives disagree; There is also a property right issue. Some elderly people's housing property rights are central delivery rooms or military delivery rooms, which will increase many problems in the process of handling procedures. "

In addition, the business process of "housing for the aged" is complex and lasts for a long time, involving real estate, finance, taxation and other fields. In addition to the longevity risk and interest rate risk that the traditional insurance business needs to deal with, it also increases the real estate market fluctuation risk, real estate disposal risk and legal risk, especially the laws and regulations are not perfect, the policy foundation is still weak, and business process management and risk control are difficult.

Professor Hao, director of the China Insurance Market Research Center of the Central University of Finance and Economics, believes that due to the large fluctuations in housing prices in large and medium-sized cities in China, there are differences in the understanding of future housing price trends between insurance companies and "house-for-the-aged" customers, which may be a factor that the pilot project of "house-for-the-aged" in China is not carried out smoothly.

In this regard, the China Insurance Regulatory Commission (CIRC) said that on the basis of four pilot cities in Beijing, Shanghai, Guangzhou and Wuhan, we should explore effective ways to develop reverse mortgage insurance in different regions and at different levels by extending the pilot period and expanding the pilot scope.

It is reported that in developed countries, "housing for the elderly" has a mature operation mode. For example, once the house price fluctuates, there are government-led insurance institutions or market-oriented insurance companies to share the risks. Therefore, it is also the key to learn from foreign experience and improve the relevant risk response mechanism.

The China Insurance Regulatory Commission said that in the next step, it will continue to encourage and support insurance companies to carry out reverse mortgage pension insurance business for the elderly, and will persist in safeguarding the legitimate rights and interests of insurance consumers, and gradually establish a standardized and orderly reverse mortgage pension insurance market to provide richer pension services and more flexible insurance options for the elderly.

Housing for the aged "insurance

It is an innovative commercial endowment insurance business that combines housing mortgage loan with life annuity insurance. In this mode, the elderly with full property rights mortgage their property to the insurance company, and with the consent of the mortgagee, they continue to enjoy the right to possess, use, benefit and dispose of the house, and receive the pension according to the agreed conditions until their death; After the death of the old man, the insurance company has the right to dispose of the mortgaged property, and the proceeds from the disposal will be used to pay the related expenses of the old-age insurance in advance.

■ sound

"Housing for the aged" needs to be more attractive.

● On June 30th, the "housing for the aged" was piloted for two years, and only 60 households in four pilot cities, namely Beijing, Shanghai, Guangzhou and Wuhan, participated in the insurance. An important reason for the lack of attractiveness of "housing for the elderly" is that there is too little money. According to the relevant provisions of Happy Life's "providing for the aged with a house", the insurance company's appraisal of the house is 1 10,000 yuan. A 60-year-old man can only get 25 14 yuan per month, and if he is an old lady, he can only get 2082 yuan. With this little money, we have to bet on who will live long. If the elderly sell their houses directly, they may get 6.5438+0.2 million yuan or more. If he uses the money to buy treasury bonds or fixed-income products, even if the rental fee is deducted, the income is equivalent to the money given by the insurance company, and the principal can be left to the children.

● The highlight of housing for the elderly is that the elderly can live in a familiar environment without moving out of their own houses, but the problem is that living in an old house is not a problem when they are old. To further enhance the attraction of "housing for the aged", it is necessary to combine it with community pension and home service. After all, "providing for the aged" involves not only spending money, but also being taken care of.

Policy: The old-age pension in Shunde will increase 10% from next week.

The pension of enterprise retirees in Shanfoshan ushered in "12 years of continuous increase", and the increase this year is about 10%. Among them, enterprise retirees who reached the age of 75 before April 38+05 in Shunde District will also receive the special adjustment subsidy of 1.200 yuan in one lump sum. Starting from June this year, retirees aged 70 and under will receive employee pension insurance benefits, which will be paid directly to the financial account of the social security card, and will no longer be paid through the bank passbook.

Retirees' pensions have increased by 65,438+00% and will be paid in June.

According to the unified deployment of the whole province, this pension adjustment will be implemented from June 5438+1 October1this year, aiming at enterprise retirees who have received basic pensions before February 365438+February 3 1 (including today) and those who have applied since June 20 15. Among them, 5% is the quota, which is determined according to 5% of the province's per capita pension, namely 1 13 yuan; The other 5% is fixed and calculated according to 5% of my basic pension.

The relevant person in charge of Shunde Social Security Bureau explained that enterprise retirees can generally calculate the adjusted pension according to the formula of "1kloc-0/3 yuan+my basic pension ×5%", while enterprise retirees who reached the age of 75 before June 30, 20 15 in our district will receive the special adjustment of 1200 yuan in one lump sum.

It is reported that the pensions issued from June 65438 to May this year are pre-adjustment pensions, and the pensions issued from June are adjusted pensions. The reissued amount of 1 to May will be reissued as soon as the relevant documents of our city are issued.

According to reports, the pension of enterprise retirees in Shunde has been adjusted since 2007, and it has now ushered in "12 years of continuous increase". In 2007, the average monthly pension of enterprise retirees in Shunde was about 925 yuan, and now it has reached about 2670 yuan, which has nearly tripled.

Example of calculation method

Jaco is 65 years old. Before the adjustment, the basic pension is 2000 yuan (not enjoying the allowance for higher vocational education). After this adjustment, the adjustment amount is113+2000× 5% = 213 yuan, and he will get 2000+2 13 = 2265438+ every month. 1 The replacement amount by May this year is 2 13×5= 1065 yuan.

Chen Yi is 80 years old this year. Before the adjustment, her basic pension was 3500 yuan (enjoying the positive height allowance). After this adjustment, the adjusted amount is113+(3500-1000) × 5% = 238 yuan, and she will receive a monthly pension of 3500+238 = 3738 yuan. 1 The replacement amount by May this year is 238×5= 1 190 yuan. At the age of 75, you can also get a one-time old age allowance 1200 yuan.

Since June, pensions under the age of 70 have been issued through social security cards.

The use of social security cards will bring a lot of convenience. In the future, retirees can withdraw money from ATMs or bank counters with their social security cards, and there is no need to queue up at the counter with passbooks as before. If you don't need to withdraw your pension every month, retirees can also apply for reconciliation discount at the issuing bank, and the monthly bill can be seen at a glance.

Considering that some retirees are older and there may be obstacles in using social security cards, pensions for retirees over 70 years old are still paid in the original way. Newly-established retirees need to carry their social security cards when going through retirement formalities from June, and inquire about the information of the social security cards they left in the Social Security Bureau.

The Social Security Bureau of Shunde District, Shunde reminded that people who have already applied for social security cards are not allowed to change the social security card card-making bank. After the pension is paid to the social security card in June, it is suggested that the passbook of the original pension of retirees should not be cancelled for the time being and should be kept for more than half a year.

Can't see the money in the social security card?

It is convenient to inquire about the details of pension expenditure by using bank passbook, but after issuing pension with social security card, you can only inquire at the counter.

But don't worry, retired people can take their social security cards to the bank for free reconciliation. This reconciliation can be used to record the fund details of the social security card financial account, which is equivalent to the inquiry function of the original passbook.

If you just want to check the money in your account, you just need to bring the reconciliation discount. Reconciliation discount can only be used for query and record. If you want to withdraw your pension, you must use a social security card.

Can the original money be merged?

Wang Bo, 68, is usually very frugal, and his pension does not cost much. He wants to know whether the money in the original passbook can be transferred to the social security card if it is replaced by a social security card.

The relevant person in charge of Shunde Social Security Bureau said that the original passbook and money can continue to be used, but the money inside cannot be transferred to the social security card. The person in charge suggested that it is best not to cancel the original pension passbook for retirees temporarily and keep it for more than half a year.

In addition, because the bank is chosen voluntarily when handling the social security card, it is not allowed to change the social security card making bank for those who have already handled the social security card.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.